You don't have to move home to move your mortgage.
As an Authorised Mortgage Intermediary and
Independent Mortgage Brokerage, we are not "tied"
to any one Lending Institution, and we can deal with Banks,
Building Societies, and other Lenders on your behalf to obtain
competitive interest rates and facilities to suit your own
We can consolidate your existing mortgage
and loans to reduce your total repayments.
We can also obtain remortgage finance in
order to clear off loans you might have (subject to lenders
terms and conditions apply). Contact us for individual details.
By re-mortgaging you can take advantage of
the potential of lowering your mortgage interest rate, altering
your mortgage term, and lowering your mortgage repayments,
and the opportunity to release equity in your home to borrow
additional finance to:-
- finance the purchase of investment property
- consolidate existing term loans
- consolidate expensive credit card balances
- clear off loan arrears
- change/purchase car
- home improvements
- build an extension
- refit your kitchen
- redecorate your home
- convert your attic
- replace windows and doors
- upgrade heating systems
- finance purchase of a holiday home
All remortgages subject to lenders terms &
conditions which apply.
Also, we can organise a re-mortgage to a mortgage
that suits your future plans, flexibility in your repayment
schedule, so you can pay more when you can - including lump
sums, or less if your circumstances change (subject to a minimum
By paying more you could cut years off the
term of your mortgage and own your home outright much sooner.
You could do this when it suits you, saving money in interest
payments over the term of your mortgage.
A mortgage that calculates interest when you
make each repayment. That way your mortgage balance is reduced
at the same time, rather than yearly. This way you will pay
less interest to the Lender.
You can switch your mortgage from endowment
to annuity, or change to a tax efficient pension mortgage
You can borrow up to about 90% of the value
of your home.
You can choose all types of mortgage facilities
from annuity/repayment, to investment, and even interest only
or pension mortgages - depending on suitability in each case
and subject to the usual Lenders conditions.
You can top-up your mortgage loan - subject
to the usual lenders conditions.
See our sections on:
Fixed rates and variable rates are available
and are dependent on the movement trend in mortgage interest
rates. Generally, variable interest rates will save on repayments
in the long term, but fixed rates offer security in size of
payment and hence peace of mind.
We can advise you on re-mortgage options available
to your own situation, and can apply for you to the Lending
Institutions to obtain the re-mortgage facility. We can arrange
the whole process for you including obtaining the finance,
surveyor, solicitor, and insurances on your behalf.
We can do all this through the Post with you
- you don't have to meet the Lending Institution. This is
one of the main benefits of Ellison Financial Consultants
Mortgage Brokerage facility.
for a personal re-mortgage advice report and quotation on
your own situation.
Credit Act, 1995, Mortgage Finance
Warning: Your home is at risk if
you do not keep up payments on a mortgage or any other
loan secured on it.
Warning: This new loan may take longer
to pay off than your previous loans. This means you
may pay more than if you paid over a shorter term.
Warning: Purchasing this product
may negatively impact on your ability to fund future
Interest only Mortgage:-
Warning: The entire amount that you
have borrowed will still be outstanding at the end of
the interest-only period.
Variable-rate residential mortgage:-
Warning: The cost of your monthly
repayments may increase - If you do not keep up your
repayments you may loose your home.
Fixed rate mortgage or loan:-
Warning: You may have to pay charges
if you pay off a fixed-rate loan early.